Life Insurance

When you buy a Whole Life policy and pay your premiums, you're guaranteed that:

• Your beneficiary will receive the face amount of the insurance policy - or more -- upon insured's death
• Your premiums will never increase -- they're guaranteed to remain the same for the life of the policy, regardless of the insured's age or health
• Lifetime coverage, as long as premiums are paid
• The cash value of your policy will grow each year

The cash value of your Whole Life insurance policy is available to you in a number of ways. You can withdraw the cash value of any insurance bought with dividends, or any dividends left with us to earn interest. You can also borrow, within certain limits, against the cash value in your policy while keeping your policy active.¹

A valuable benefit of Whole Life insurance is the opportunity to receive dividends. While dividends are not guaranteed, they do give you the opportunity to increase the value of your policy.

Dividends are meaningful because they can:

• Increase your policy's death benefit to help keep up with inflation regardless of the insured's age or health
• Provide cash value above the guaranteed amount that you can access to supplement your retirement income.¹
• Help pay for premiums in later years so you don't have to pay all of your premiums out of pocket.

Metropolitan Life Insurance Company has paid dividends to qualified policyholders every year throughout its history, first as a mutual company and then as a stock company.

Whole Life Insurance offers significant tax advantages under current tax rules.² Among these are:

• Tax-free proceeds. Beneficiaries will generally receive the death benefits free of federal and state income taxes. Benefits may also be free from estate tax with proper planning.
• Tax-deferred growth. The cash value of your policy grows income tax-deferred, which means that no income tax is due on annual gains. This allows your account to grow faster than it would in a similar taxable investment

Tax Favored Access. Accessing your policy's cash value through withdrawal of dividend values or through loans against the cash value will generally not be taxable.¹

You can enhance your coverage by choosing from an array of optional benefits and riders³ at an additional cost, including these:

Long-Term Care Guaranteed Purchase Option

Guarantees the availability of Long-Term Care insurance in the future, regardless of changes in the insured's health.

Disability Waiver of Premiums Benefit

Pays your premiums if the insured becomes disabled.

The Enricher^® (Option to Purchase Paid-Up Additional Insurance Rider)

Guarantees the option to increase the cash value and death benefit of your policy by paying additional premiums.

Guaranteed Issue Rider

Guarantees the right to buy additional insurance policies on the life of the insured in the future, without additional evidence of insurability at that time.

For more complete information regarding these optional benefits and riders, please download the product brochure.